Easy Steps to Remove MRS Associates Collections From Your Credit Report


By Erica Gellerman

Last updated 06/06/2020


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Summary: Use these super easy strategies to remove MRS Associates Collection company from your credit report. 

Ugh, debt collectors. One of the least fun phone calls you’ll ever receive.

Getting a call from a debt collection agency like MRS Associates can leave you completely panicked that your credit score is about to take a dive.

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And you may be left wondering if there’s anything you can do to get the collection removed from your credit report. 

Luckily, you have some options. Let’s walk through some things you can do to improve your odds of getting the past-due debt removed and ease the debt collection panic.

How to Remove MRS Associates from Credit Report

Important: This article provides do-it-yourself (DIY) methods to remove MRS BPO LLC from your credit file.  If you don't have the time or patience to work on your credit, we highly recommend our top rated credit repair company.

What is MRS Associates?

MRS Associates, which is legally known as, MRS BPO LLC was founded in 1991 by the Freedman brothers located in Cherry Hill, New Jersey. 

We are often asked, 'Is MRS a debt collector?' The simple answer is yes, but not for other companies, they buy your debt at a discount from your creditors and then attempt to collect everything you owe plus penalties and interest. 

They work to collect debts on behalf of a range of companies and industries including financial services, healthcare, and utilities.

Does MRS Associates Report To Credit Bureaus

If you’re being contacted by MRS  or you see them on your credit report, they are now responsible for getting you to repay your debt.

MRS Collections has either been hired by a company to get you to repay your debt or they have purchased your debt from a company.

Either way, they are going to work as hard as they can to try to get you to repay your debts. 

One of those ways is reporting your collection account to the credit bureaus. 

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Know Your Rights With MRS BPO LLC

Once your debt has gone to a debt collector, it’s important to know your rights.

It’s not uncommon to hear stories of harassment from debt collection agencies.

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In fact, the Consumer Finance Protection Bureau logs complaints from financial services agencies and MRS BPO, LLC has over 400 complaints registered.

Luckily, you do have rights when it comes to how these companies can treat you.

MRS Associates must stop contacting you after they receive a written request from you to stop

The Fair Debt Collection Practices Act was passed to make sure companies like MRS Collections don’t harass you. This means they aren’t allowed to:

  • Use threatening or obscene language
  • Make false, misleading, or deceptive statements
  • Call before 8 am or after 9 pm
  • Contact you at work if you’ve requested they don't contact you there

You also have a right to put an end to the debt collection calls. Under Federal Law, MRS Associates must stop contacting you after they receive a written request from you to stop.

But just because the calls have stopped, doesn’t mean the debt has disappeared.

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They could still report your debt to the credit bureaus or file a lawsuit against you.

You can also make the request that they only contact you certain ways, including that they:

  • Only contact you through your lawyer
  • Only contact you by mail
  • Call you during certain times of day on the phone.

How To Remove MRS Associates From Your Credit Report

If the debt MRSBPO LLC is trying to collect shows up on your credit report, there are a few steps you can take to get it removed.

NOTE: The following tips are DIY (do-it-yourself) methods.  If you need help along the way, we highly recommend requesting a free credit consultation from your friends at The Credit Pros.

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Get written verification of the debtTo MRS BPO LLC

Before agreeing to pay anything, you’ll want to ask MRS BPO, LLC to verify the debt.

Once MRSBPO LLC contacts you, you have 30 days to request in writing that they verify the debt.

When verifying the debt, they’ll provide you with additional details that will help you understand why they think you owe this debt. 

They will also need to tell you when the debt was due, and whether they have a debt collection license from your state. 

MRS Associates Inc, MRS BPO LLC, MRSBPO, MRS Collection, MRS BPO, LLC, or MRS Collections

You’ll also be able to see how old the debt is and check to make sure the statute of limitations for collecting the debt hasn’t passed. The Balance has a listing of the statute of limitations, by state.

Dispute inaccurate information

Think that the information MRS Collection is providing is incorrect? You can dispute it.

You can also dispute it if you think that the debt is past the statute of limitations for your state.

Disputes happen often: in 2011 eight million people disputed inaccurate credit reports.

Once you receive the details of the debt, you have 30 days to file a written dispute.

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Make sure to send a written dispute and keep proof that it’s been sent.

Make a copy of your letter for your records and send the original to MRS associates by certified mail, so you can prove that it was sent.

If the debt that MRS Collection is trying to collect isn’t valid, you’ll also want to dispute inaccurate information directly with the credit reporting agencies.

Send a goodwill letter to MRSBPO

If the debt is yours and the details are valid, disputing it likely won’t help keep it off your credit report.

And once negative information hits your credit report, it can stay there for seven years.

Quick Tip:

You can also send a goodwill letter asking to remove 30, 60, or 90 day lates from your credit report.

But you may be able to have it removed sooner by sending MRS Associates a letter of goodwill.

This letter asks them (nicely) to consider removing it from your report.

They’re not required to remove the black mark from your credit report, but you may have luck with it if you can explain the situation and that you plan to stay current on all of your payments in the future.

Or visit our review of the best credit repair companies of 2020

Who Does MRS Associates Collect For?

Generally, MRS Associates Inc collects debts that they have purchased from your creditors. 

However, as any large business they do also collect for some of the more well known companies out there. 

For instance, we have seen collection reports with names such as MRS BPO Chase, MRS Associates Verizon, and MRSBPO AT&T. 

MRSBPO doesn't mention on their website who their customers are, however, based on reviews and complaints, there is a good chance that they work with Chase, Verizon and AT&T. 

You Don’t Have To Go At It Alone

Dealing with debt collectors can be an emotional and time consuming endeavor.

Whether you've been contacted by MRS Associates Inc, MRS BPO LLC, MRSBPO, MRS Collection, MRS BPO, LLC, or MRS Collections, they are all one in the same and must be addressed. 

If you find yourself looking for help to send letters and begin repairing your credit, you may want to consider hiring a company like our top rated credit repair service

They’ll help you send letters to your creditors and give you steps you can take to improve your credit.  You can request a free consultation here.

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Take The Fight To The Collection Company!

Tired of harassing phone calls, rude people, and lies? Hire our customer rated top credit repair company and take the fight to them!

Consultation is quick, easy, and free.

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By Erica Gellerman

Erica Gellerman is a CPA, MBA, personal finance writer, and founder of The Worth Project: a weekly money newsletter you actually want to read.


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